Does home insurance generally cover locksmith charges?

Obvioulsy this depends on our policy but we cant find the details at the moment. We have a home insurance 'extra' package and our front door lock has suddenly gone. may need to call out a locksmith tomorrow.

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Best Answer: Normally the lock coverage that is contained in many home insurance policies, provides for payment of replacement of your locks when your keys have been stolen. This coverage is provided in the hope that you will replace this locks immediately and avoid someone entering your residence and making off with a large amount of your personal property which would result in an even larger claim. The lock coverage is not subject to the normal policy deductible and in essence is meant to save the insurance company money, i.e. they pay a $100 or $200 vs. paying thousands of dollars in a theft claim. Bottom line though it requires a triggering incident such as your purse being stolen with the keys.

The lock coverage does not provide coverage for just failure of the lock--that would absolutely be a maintenance issue and would not be covered under any homeowners policy.

Sounds like a maintenance issue and mostly would not be covered under any homeowner's policy.

RE:
Does home insurance generally cover locksmith charges?
Obvioulsy this depends on our policy but we cant find the details at the moment. We have a home insurance 'extra' package and our front door lock has suddenly gone. may need to call out a locksmith to...

Your lock 'gone' presumably means that it has stopped working properly. This comes under wear and tear and is definitely not covered by your household insurance. The cost for a lock smith to fit you a new lock is entirely your responsibility. The only time you would be covered for the lock is if was damaged by force-full entry by a 3rd party or if you had lost your keys and there was some form of address tag on the bunch, in that case the insurers will normally pay to replace locks (cheaper than paying out for a house ransacked claim!)

RE :Does home insurance generally cover locksmith charges?
Obvioulsy this depends on our policy but we cant find the details at the moment. We have a home insurance 'extra' package and our front door lock has suddenly gone. may need to call out a locksmith tomorrow.
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